Client First Certified
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Independent agencies

Find an insurance agent you can check.

Every certified agency here was reviewed by a person, signed eight published practice standards, and loses the badge if it breaks them. Nobody pays to be listed, and nobody pays to rank.

Coverage

Certified agencies first, then other independent agencies from public records, clearly marked.

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CLIENT FIRST CERTIFIED · REVIEWED BY A PERSON · HELD TO A PUBLISHED STANDARD ·
Displayed only while certification is active. Every badge links to its public verification page.

What the badge means

A credential, not a membership.

It is earned through a review, kept by keeping a promise, and taken away when the promise is broken. Nobody can buy it, and nobody can rent it.

  1. 01

    The agency applies

    Free, with no payment step anywhere. About an hour of the agency's time.

  2. 02

    A person reviews it

    Registration, address, website, Google Business Profile, licensing and E&O cover, read by a reviewer.

  3. 03

    It signs the standards

    Eight practice standards and seven ethical ones, in writing, at a published version.

  4. 04

    It keeps earning it

    Re-verified every year. Suspended if E&O lapses, revoked if a standard is broken.

The practice standards

Eight promises. In writing.

These are the parts of a policy that go wrong quietly: limits set at the legal minimum, coverage declined without a record, a claim nobody follows up. Each standard closes one of them.

Read the full standards

Plus seven ethical standards, including no commission-driven recommendations and no selling client data.

  1. 01 No state-minimum limits by default

    Liability is recommended at a meaningful floor — 100/300/100 auto and $300,000 home liability or higher. A client may choose less only after the higher recommendation was presented and their choice was documented in writing.

  2. 02 Written declination letters

    Every recommended coverage a client refuses — umbrella, UM/UIM, higher liability, water backup, replacement cost, flood, earthquake, or any recommended endorsement — is documented on a signed or acknowledged declination kept in the client file.

  3. 03 Full coverage review at quote

    Every quote presents at least one adequately protected option alongside any price-driven option. We never present price alone.

  4. 04 Replacement cost, not market value

    Dwellings are insured to replacement cost. The difference between replacement cost and market value is explained to the client in writing.

  5. 05 UM/UIM matched to liability

    Uninsured and underinsured motorist coverage is offered at limits matching liability. Any reduction or rejection requires a documented declination.

  6. 06 Exposures disclosed even when not sold

    Flood, earthquake, and other identified exposures are disclosed to the client whether or not our agency can place the coverage.

  7. 07 Documented annual review

    Every active client is offered a coverage review at least once a year. The offer is logged whether or not the client accepts.

  8. 08 Claims advocacy

    We stay engaged through the claim — explaining the process, following up with the adjuster, and telling the client the truth when a loss is not covered, including what would have covered it.

Why this is different

Most insurance directories are advertising. This one is a credential.

A typical lead-generation directory compared with Client First Certified
Question Typical lead directory Client First Certified
Who pays Agencies, per lead or for placement Nobody. Free for agencies, free for you
How results are ordered Often by who paid most Licensing first, then distance. Never payment
Where your details go Frequently sold to several agents at once To one named agency you chose, and no one else
Ratings Star scores of unclear origin No scores. Google ratings shown as Google's
The badge Membership, kept by renewing a fee Credential, revoked when a standard is broken

The library

Know what you are buying.

Plain explanations with named authors and cited sources, dated so you know how current they are.

All guides
Coverage explained

Homeowners insurance explained: the six parts of the policy

A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.

Read the guide

Local guidance

Browse by state

Insurance is regulated by state and priced by county. Every state and county has a page: the minimum limits, the perils that drive claims there, the market of last resort, and where to complain. Then the agencies serving it.

A certified agency is licensed here Independent agencies listed fewer to more
All states and counties

For independent agencies

Your agency may already have a page here.

6,116 independent agencies are listed from public records. Find yours, claim it, and earn the badge. Certification is free and always will be.

See what's involved Not listed? Start an application
Cost
$0. No payment step anywhere.
Time
About an hour, and it saves as you go.
What you get
A verified profile and quote requests from people who chose you.
What you sign
The standards good agencies already keep.